What it does
Adds towing and labor coverage for each disablement of a covered auto.
Who needs it
Most personal auto insureds; often bundled by carriers.
Quoting and selling notes
- Compare with roadside assistance memberships the client already has.
How PAP endorsements attach
PAP endorsements modify PP 00 01 and are listed on the declarations (PP DS 01). In the 2018 revision ISO also made editorial changes across the multistate endorsements, including a statement that schedule information not shown on the endorsement will be shown in the declarations, so check the declarations page for limits, vehicles and named persons.
Editions and availability
Current edition 09 18, replacing 04 86. State adoption varies; many states use state-specific versions of the PAP endorsements.
